Bank of Ireland GroupLSE:BIRG +1.01%68 FCF Margin % is 104.17% as of Dec. 2025, which is 67% above its 10-year median of 62.24. GuruFocus rates LSE:BIRG with a GF Score™ of 68/100 and a GF Value™ of €10.81 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Bank of Ireland Group ranks better than 82.99% on this metric.
The historical rank and industry rank for Bank of Ireland Group's FCF Margin % or its related term are showing as below:
LSE:BIRG'
s FCF Margin % Range Over the Past 10 Years
Min: -106.99 Med: 62.24 Max: 647.68
Current: 83.6
During the past 13 years, the highest FCF Margin % of Bank of Ireland Group was 647.68%. The lowest was -106.99%. And the median was 62.24%.
LSE:BIRG's FCF Margin % is ranked better than 82.99% of 1505
companies
in the Banks industry
Industry Median: 26.55
vs LSE:BIRG: 83.60
Bank of Ireland Group FCF Margin % Related Terms
Bank of Ireland Group FCF Margin % Historical Data
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The historical data trend for Bank of Ireland Group's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Bank of Ireland Group's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of Ireland Group FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Ireland Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank of Ireland Group's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of Ireland Group (LSE:BIRG) has a FCF Margin % of 104.17% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank of Ireland Group and its competitors. This is 67% above median its historical median of 62.24. According to the industry distribution chart, Bank of Ireland Group ranks #256 out of 1505 companies in the Banks industry, placing it in the top 17%.
Is Bank of Ireland Group's FCF Margin % too high?
Bank of Ireland Group's current FCF Margin % of 104.17% is 67% above median its 10-year median of 62.24. The Banks industry median FCF Margin % is 26.55. Bank of Ireland Group's value of 104.17% is 292.4% above this industry median. Based on the distribution chart, Bank of Ireland Group ranks #256 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of Ireland Group has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Ireland Group's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bank of Ireland Group ranks #256 out of 1505 companies for FCF Margin %. This places Bank of Ireland Group in the top 17% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Bank of Ireland Group's value of 104.17% is 292.4% above this benchmark. While the company's 10-year median is 62.24 vs. the industry median of 26.55, Bank of Ireland Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of Ireland Group's current FCF Margin % of 104.17% is 292.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank of Ireland Group and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Ireland Group's current FCF Margin % is 104.17%, which is 67% above median its own 10-year median of 62.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Ireland Group stock overvalued right now?
Based on GuruFocus' analysis, Bank of Ireland Group (LSE:BIRG) is currently considered Significantly Overvalued. The stock's GF Value™ is €10.81, compared to a current price of €17.98 — trading 66.3% above its estimated fair value. The current FCF Margin % is 104.17%, which is 67% above median its 10-year median of 62.24 and 292.4% above the Banks industry median of 26.55. Bank of Ireland Group's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bank of Ireland Group (LSE:BIRG), the current FCF Margin % is 104.17% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of Ireland Group (LSE:BIRG) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Ireland Group stock appears to be overvalued.
The current stock price of €17.98 is trading 66.3% above its estimated GF Value™ of €10.81.
GuruFocus considers Bank of Ireland Group to be Significantly Overvalued.
Key valuation signals for LSE:BIRG:
FCF Margin %: 104.17% (67% above median its 10-year median of 62.24)
GF Value™: €10.81 vs. price of €17.98 (66.3% above fair value)
Industry Position: 292.4% above the Banks median (#256 of 1505)
No single metric tells the full story. See the LSE:BIRG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Ireland Group PLC is an Irish financial services group operating mostly in Ireland and the United Kingdom. Services include mortgages, business, and corporate lending, term loans, leasing, foreign exchange, life assurance, and pension products, among others. The bank's trading divisions include Retail Ireland, Wealth and Insurance, Retail UK, Corporate and Commercial , and Group Centre. The bank generates the majority of its revenue from Retail Ireland and serves consumer and business customers across a broad range of segments and sectors. Revenue is also derived from fees for a range of banking and transaction services. The bank has access to distribution in the United Kingdom via its relationship as a financial services partner with the nation's post office.
68GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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